The National Bank of Iraq (NBI) was founded in 1995 as a publicly traded, private sector company, offering comprehensive banking services to individuals and businesses in Iraq. As a result of NBI’s success and to fuel future growth, its capital was increased from the initial IQD 400 million to IQD 250 billion (USD 215 million) in December 2013. 

In 2005, Capital Bank Jordan acquired majority shares (61.85%) in NBI, allowing NBI to evolve its business offerings, strengthen its global footprint and promote financial inclusion across the country. 

With its extensive network of correspondent banks, Capital Bank stands as NBI’s gateway to world economies, facilitating internal and external remittances, granting lines of credit, as well as offering trade finance services. 

NBI operates a modern core banking system to support its growth and customer services. Capital Bank and its subsidiaries audit all accounts through Ernst and Young, and report financials in accordance with International Accounting Standards. 

NBI has earned a BB rating by Capital Intelligence, the international credit rating agency. It further received a ‘Good’ rating by the Central Bank of Iraq.

Today, NBI has more than 38 branches in all major cities in Iraq, and a branch in KSA. 

Administrative, Technical, and Operational Responsibilities

• Prepare and submit periodic reports to the direct manager regarding workflow progress, acquired customers, field visits, financing opportunities, and transactions under process.
• Maintain and update records and data related to credit transactions, customer visits, clients, and pending requests.
• Follow up with internal departments to ensure timely completion of transactions and the resolution of outstanding requirements and observations.
• Manage assigned customer accounts in terms of activity level, compliance, relationship quality, and customer needs.
• Document the outcomes of field visits, observations, and recommendations related to customers.
• Monitor indicators of potential default or deviations in credit relationships within assigned accounts and escalate cases that require corrective action or further review.
• Perform any other related duties and responsibilities as assigned by the direct manager or team leader.
• Meet with existing and prospective customers to present banking services and direct credit facilities tailored to small businesses.
• Engage with business owners to introduce the bank’s products and competitive advantages, supporting sales growth and the acquisition of new customers.
• Conduct field visits to prospective small businesses to present suitable banking services and credit facilities.
• Conduct field visits to existing businesses to verify business continuity, assess the nature of operations, and confirm the actual purpose of the requested facilities.
• Analyze the financial and economic data of businesses to support sound recommendations regarding the granting of credit facilities.
• Prepare customer credit assessments, including analysis of business activities, income, expenses, cash flows, repayment sources, account statements, and proposed collateral.
• Review and analyze customer applications and provide appropriate financing solutions that meet their needs in terms of facility type, amount, repayment period, installments, collateral, and applicable terms and conditions.
• Negotiate credit facility terms and conditions with customers within the approved authority limits and guidelines, and follow up on the preparation of contracts and required documentation after approval.
• Conduct annual customer reviews within the assigned portfolio in accordance with approved standards and update customers’ financial and credit information.
• Execute sales activities related to small business financing facilities and acquire new customers in line with established sales plans.
• Prepare applications and documentation for proposed credit facilities for acquired customers and coordinate with relevant stakeholders to obtain the necessary approvals.
• Ensure compliance with financial, credit, and legal policies and procedures, as well as the instructions of the Central Bank of Iraq and all applicable regulations.
• Follow up on customer needs, respond to inquiries, and provide appropriate solutions in coordination with relevant departments to maintain customer satisfaction and long-term relationships.

• Bachelor’s degree in Accounting, Finance and Banking Sciences, Business Administration, or an equivalent qualification in the fields of Management and Economics.
• 1–3 years of experience, at a minimum, in a similar functional role.